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Life insurance claim stories

Life insurance claim stories

As part of our ongoing efforts to collate and share real-life claim stories from across the industry, this page brings together some of the life insurance claim case studies from insurers and advisers. Given the difficult nature of a life insurance claim, case studies can be hard to come by, so we would encourage as many insurers and advisers to share stories with us as and when they get them. 

Terminal Illness

Pete’s Story

In 2018, aged just 35 Pete was diagnosed with terminal lung cancer and claimed on the terminal illness benefit of his Legal & General life insurance policy (that he’d had in place for 4 years). As Pete says in the video:

“You think you’ll never need it until you get old. Nothing will ever happen to me…”

Further Reading

To find out more about life insurance, follow the links below to some of our most recent articles.

Age limits for life cover – how insurers compare

Age restrictions apply to many things that people can buy or do, from buying alcohol to getting married. Most of the time, age limits are focused on minimum ages to prevent young people doing something that they are deemed not mature enough to do responsibly – gamble,...

Individual protection underwriting limits – 4 things you should read

Understanding when and what medical evidence may be required when recommending a protection policy can be helpful in both setting client expectations and ensuring the application process runs smoothly. In todays '4 things you should read', we bring together our...

What is a Second Medical Opinion Service and who offers them?

In reading this article you will understand: Which insurers include access to a second medical opinion service Aside from the life assured, which immediate family members can use the service The value of second medical opinion services through a case study For clients...

How do insurers compare on family income benefit non-medical underwriting limits?

Family Income Benefit is a sometimes overlooked, but very useful type of life insurance cover. The policy is the same as conventional life insurance except that the benefit is paid out as a regular income rather than a lump sum. For the family of the deceased, the...

Life Insurance: Which Insurer Offers the Highest Non-Medical Underwriting Limits?

Understanding an insurer's requirements for assessing your clients' application is key to ensuring a smooth and hassle-free process. One important aspect is medical evidence - when is it required and what kind of evidence will be requested? In this article, we'll...

Who offers health checks and how do they differ?

In reading this article you will understand: Which insurers provide access to health MOTs How those insurers differ in the service they offer to clients Who offers the best health MOT benefit As we all know, prevention is better than cure. If risk factors or the early...

The above stories are prime examples of scenarios that happen within the protection industry on a daily basis. Providers want to pay claims, indeed no insurer will decline a valid claim and they want to support their customers. There is now an abundance of claims statistics made available by providers. These, combined with claims stories from real life claimants, can paint a powerful picture. If the industry as a whole is able to produce more stories like these we can go a long way to changing the views of consumers and give more confidence in the products that can literally be a lifeline in the direst of circumstances.

If insurers/advisers/service providers have any other added value benefit claim videos they would like us to share via this page please get in contact here.

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